Cheapest Auto Insurance in Woodstock, Georgia (2025)

The cheapest car insurance company in Woodstock is Progressive with an average rate of $85 per month.

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Cheapest recent rates near Woodstock, Georgia

Drivers using Insurify have found quotes as cheap as $55/mo for liability only and $77/mo for full coverage in Woodstock and other Georgia cities.

*Quotes generated for Insurify users in and around Woodstock, Georgia within the last 10 days. Last updated on October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Woodstock, Georgia within the last 10 days. Last updated on October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Nick Dauk
Written byNick Dauk
Nick Dauk
Nick Dauk
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Woodstock, Georgia, sits just north of Atlanta, offering residents both a quick route into the capital and a quiet suburban town where they can escape the hustle and bustle of the city. Whether they’re driving to a Falcons game or making a quick trip to Red Top Mountain State Park, Woodstock drivers pay an average of $175 per month for liability-only car insurance and $245 per month for full coverage.

Although Georgia law only requires liability auto insurance coverage, Woodstock drivers can look to both locally owned companies, like Mountain Lakes Insurance Agency, and nationally known insurance companies, like State Farm, to find a variety of coverage options to suit their needs. Here, you can learn how to compare rates and see what people in Woodstock pay for car insurance.

Quick Facts
  • The cheapest insurers in Woodstock are Progressive, Mile Auto, and Auto-Owners.

  • Woodstock’s overall average car insurance rate is $210 per month.

  • Georgia’s new legislation limits how much insurers can increase rates in the state.[1]

3 of the cheapest car insurance companies in Woodstock

Woodstock drivers have dozens of options for car insurance, though not every insurer will meet your needs. Instead of looking solely at price, compare the coverage levels, discounts, and factors like customer service ratings to determine which insurer offers the best overall experience for your needs.

Insurance Company
sort ascsort desc
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
Auto-Owners8.2$133$95Liability-only coverage
State Farm9.3$143$102Rideshare drivers
COUNTRY Financial9.1$144$103Discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for liability-only coverage: Auto-Owners

User Reviews
4.3
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.2 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$97/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$136/mo
4.3
Best choiceBased on 233 verified guest reviews and ratings
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (135)
David
Verified Review
Getting Expensive
Reviewed in Michigan on October 2025
I've been with them for 15 years and received $3,200 back when a tree fell on my roof. It seems I'm in the hole for $19,776.00 over these years.
Ronald
Verified Review
I Hate Insurance Companies
Reviewed in Pennsylvania on October 2025
The good is my broker was fantastic; she got me a good policy for a decent price in the beginning. The bad is, in the 3 years I’ve had my policy, it went up about 4-5 times, and the last two times it went up, it was like a day or two apart, which is very unacceptable. I just don’t understand when you are loyal to a company, pay your bills on time, and haven’t had a claim on your vehicle(s) or house, they just increase your payment without notice or care about how much income you have. I have no problem paying my bills on time, but honestly, I’d like to be able to feed my family, and it’s really hard to do that when a majority of your income goes to bills.
Michael
Verified Review
Best Kept Secret!
Reviewed in South Carolina on September 2025
Fast claim response. Very courteous and professional. For what I need, no other company comes close in price for the last 10+ years.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Georgia is one of the limited states that Auto-Owners operates in, allowing Woodstock drivers to receive the lowest average insurance rates available. It has a strong A++ financial rating from AM Best and offers various auto insurance products, including motorcycles, converted vehicles, and classic or antique cars. But it doesn’t have a centralized agent office, so the only way to secure a policy is through a local, independent agent.

Auto-Owners also has a significant number of complaints in Georgia compared to most other states it offers auto insurance in, according to the National Association of Insurance Commissioners (NAIC) consumer complaint index.

Pros
  • Mobile Response Vehicles and storm teams available

  • Highly rated claims service

Cons
  • More NAIC complaints in GA than most states

  • Customers can’t purchase a policy online

Best insurer for rideshare drivers: State Farm

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$104/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$146/mo
4.1
Best choiceBased on 11,820 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,240)
Taylor
Verified Review
Great Insurance Company but Too Expensive
Reviewed in Michigan on October 2025
Overall, they are a great insurance company, but I think they charge way too much compared to others.
Sherry
Verified Review
State Farm
Reviewed in Kansas on October 2025
Be very careful and read everything.
Kurt
Verified Review
Better Insurance Company
Reviewed in California on October 2025
Rates are too high. Agents don't handle claims directly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

If you’re a rideshare driver in Woodstock, you may benefit from State Farm’s low-cost auto coverage options. It offers basic liability and full-coverage policies at a lower average rate than other Woodstock insurers, and you can easily add transportation network company (TNC) coverage to your policy.

While it does offer a number of coverages to protect your car before, during, and following a rideshare job, State Farm doesn’t offer gap insurance. So Woodstock drivers with brand-new vehicles may be at a higher risk of loss.

Pros
  • Easy-to-add rideshare coverage

  • High AM Best and S&P ratings

Cons
  • Can’t purchase a policy online

  • No gap insurance

Best insurer for discounts: COUNTRY Financial

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$106/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$148/mo
4.0
Best choiceBased on 54 verified guest reviews and ratings
How drivers feel about Country Financial

Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
How drivers feel about Country Financial

Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
Reviews (32)
Debbie
Verified Review
Disappointed
Reviewed in Ohio on October 2025
Awesome and they don't raise my premium for something that wasn't my fault, and they don't have a big turnover in sales reps in their office. You also get to deal with the main agent, unlike State Farm in Toronto, Ohio.
Christian
Verified Review
My experience with Country Financial has been upstanding and I haven't had a problem with them
Reviewed in Nevada on September 2025
Honestly, one of the best insurance providers I have dealt with.
Nan
Verified Review
Good
Reviewed in Georgia on March 2025
I would like my representative to return my calls. My coverage has been average.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.44
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

COUNTRY Financial may not be as well-known as other insurers, but its 95-year history and A+ AM Best rating make it a strong contender for Woodstock drivers. Offering rates comparable to other insurers, COUNTRY Financial stands out with its diverse coverages, discounts, and products. Discounts are available for engaged couples, teachers, first responders, and students. But restrictions apply for legacy discounts.

Pros
  • Unique discounts

  • Diverse coverage options

Cons
  • No rideshare insurance in GA

  • Legacy discounts require multiple policies

How to get the cheapest car insurance in Woodstock

Drivers can save money on car insurance and get the cheapest car insurance in Woodstock with a combination of strategies. Whether you commute to Atlanta for work or rarely take your car on I-575, consider these ways to get cheaper car insurance in Georgia:

  • Raise your deductible. Higher deductibles often lead to lower premiums. If you can afford a higher deductible when you file a claim, you can save money on your policy’s premiums.

  • Bundle policies. If you buy auto insurance and another policy with the same insurer, such as home insurance, renters insurance, or life insurance, you can usually get a discount for both policies.

  • Qualify for discounts. Insurers often offer a long list of discounts that drivers can qualify for to save money on car insurance. Discounts include good grades, vehicle safety features, low mileage, pay in full, and more.

  • Reconsider coverage. If you drive an older-model vehicle, consider reducing optional coverages or removing them altogether. The more coverage you have, the more you pay for car insurance.

Keep in Mind

Multiple factors influence your rates, like your long-term driving record and the number of miles you drive each year. Talk to your insurer to discover ways you can save specific to your driving habits and coverage needs.

Find Car Insurance in Woodstock, Georgia

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ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Woodstock: Progressive

Liability car insurance covers the injuries and damages you cause another car or person in an at-fault accident. Georgia law requires liability insurance coverage, and all drivers must meet a specific level of bodily and property liability insurance. This coverage doesn’t pay for damages that you cause to yourself, your passengers, or your vehicle.

Liability-only policies in Woodstock cost $175 per month, on average. Here’s a look at the cheapest liability-only car insurance companies in Woodstock.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Progressive$85
Mile Auto$92
Auto-Owners$97
State Farm$104
COUNTRY Financial$106
Allstate$114
USAA$122
Mercury$151
Root$162
GAINSCO$171
Direct Auto$175
Bristol West$179
GEICO$185
Clearcover$200
National General$206
AssuranceAmerica$211
The General$214
Safeco$216
Infinity$232
Nationwide$252
Liberty Mutual$401
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Woodstock: Auto-Owners

Whereas liability insurance is a state requirement and covers the damages or injuries you cause others, full-coverage car insurance is optional and covers your vehicle’s damages and possibly your and your passengers’ injuries, regardless of fault.

Full-coverage insurance doesn’t have a set definition, though most insurers design this policy with a combination of liability, comprehensive, and collision coverages. Woodstock drivers who want coverage in the event of losing control of their vehicle, such as on the dangerous curves of Dupree Road, may want to add full coverage to their policy.

Drivers in Woodstock pay an average of $245 per month for full-coverage insurance. Here are the cheapest full-coverage car insurance companies in Woodstock.[2]

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Auto-Owners$136
Mile Auto$143
State Farm$146
COUNTRY Financial$148
Allstate$160
USAA$171
Progressive$176
Mercury$239
Root$242
GEICO$249
Safeco$271
Clearcover$280
Direct Auto$282
National General$285
GAINSCO$330
AssuranceAmerica$337
Bristol West$337
Nationwide$352
The General$352
Infinity$427
Liberty Mutual$437
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Woodstock, Georgia

Drivers using Insurify have found quotes as cheap as $55/mo for liability only and $77/mo for full coverage in Woodstock and other Georgia cities.

*Quotes generated for Insurify users in and around Woodstock, Georgia within the last 10 days. Last updated on October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Woodstock, Georgia within the last 10 days. Last updated on October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Georgia

Georgia is an at-fault state, and the basic coverages the state requires are property damage liability insurance and bodily injury liability insurance.

Here are Georgia’s minimum requirements for liability insurance:[2]

Coverage
sort ascsort desc
Minimum Requirements
sort ascsort desc
Bodily injury liability$25,000 per person
$50,000 per incident
Property damage liability$25,000 per incident

People in Woodstock can drive legally with only the minimum insurance requirements, but many choose not to because liability-only coverage doesn’t cover all types of damage. You may want to consider purchasing optional coverages for your policy, such as:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured motorist coverage

    Uninsured motorist coverage pays for damages and injuries you sustain from an at-fault driver without the proper insurance coverage.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage covers vehicle damages when your car collides with an object or another driver, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for damages from events other than collisions, such as vandalism, theft, fire, falling objects, and severe weather.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage pays for you and your passengers’ medical and funeral expenses resulting from a car accident.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental reimbursement coverage

    This covers rental car expenses while your vehicle is in the shop for covered repairs.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Towing and labor coverage

    This covers costs for towing and roadside assistance when your car breaks down.

Georgia House Bill 221

In May 2023, Georgia Gov. Brian Kemp signed legislation to provide the Insurance and Safety Fire Commissioner the power to review all car insurance rate filings before they go into effect.

This new policy went into effect on July 1, 2023, and prevents insurers from taking advantage of drivers via a loophole that allowed them to raise car insurance rates as much as 25% during a single filing.[1]

Cheapest car insurance for drivers with an incident

Although Woodstock is just over 12 square miles in size, you can encounter a number of insurance-raising incidents in such a small area. These incidents can be speeding tickets and moving violations, at-fault accidents, and driving under the influence (DUI) convictions. Essentially, if it can cost your insurer money, it can result in an increased premium.

Shop for Car Insurance in Woodstock, GA

Monthly rates start at $102 for drivers with an incident

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ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: Progressive

Check your speedometer when you’re driving through Woodstock, and any other city in Georgia. The state assesses extra charges for drivers exceeding 75 to 85 mph on certain state roadways.[3]

Keep in mind that you don’t need to exceed the speed limit by very much to receive a speeding ticket. Even going a few miles over the speed limit is enough. Along with the penalty the officer assesses, your insurer may also increase your premium since speeding is a common factor in car accidents. The average cost of car insurance for drivers with a speeding ticket in Woodstock is $309 per month for full coverage and $220 for liability only.

The table below shows the cheapest auto insurers in Woodstock for drivers with a speeding ticket on their records.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
Progressive$85$107
Mile Auto$92$111
Auto-Owners$97$124
State Farm$104$130
COUNTRY Financial$106$141
Allstate$114$145
USAA$122$155
Mercury$151$211
Root$162$214
GAINSCO$171$206
Direct Auto$175$220
Bristol West$179$225
GEICO$185$240
Clearcover$200$263
National General$206$257
AssuranceAmerica$211$250
The General$214$284
Safeco$216$282
Infinity$232$289
Nationwide$252$322
Liberty Mutual$401$505
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Progressive

Car accidents are serious problems in Georgia; they’re a leading cause of death and hospitalizations in the state. Some yearly fatality rates in Georgia have even exceeded those in nearly all other states. But a car accident doesn’t need to be serious to lead to a policy rate increase.[4]

Even if you’re involved in an injury-free fender bender or mistakenly back into a telephone pole, this could lead to an increase in your premiums. The more often your insurer has to pay out a claim, the more likely it is to raise your rates to compensate for losses. In Woodstock, the average cost of car insurance for drivers with an accident is $336 per month for full coverage and $240 for liability only.

Here’s a look at the cheapest car insurance companies for drivers with an at-fault accident on their records in Woodstock.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
Progressive$85$117
Mile Auto$92$124
Auto-Owners$97$128
State Farm$104$137
COUNTRY Financial$106$143
Allstate$114$152
USAA$122$163
Mercury$151$225
Root$162$213
GAINSCO$171$223
Direct Auto$175$241
Bristol West$179$238
GEICO$185$238
Clearcover$200$297
National General$206$275
AssuranceAmerica$211$262
The General$214$298
Safeco$216$306
Infinity$232$302
Nationwide$252$338
Liberty Mutual$401$538
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Progressive

Between 2017 and 2020, 1,626 Cherokee County drivers had their first DUI conviction, and 244 had a second or third DUI conviction, while 806 received either an administrative license suspension or an implied consent suspension.[5]

Hundreds of people in Georgia die during alcohol-related car crashes per year, which sometimes account for as much as one-fourth of all crash fatalities.[6] Drinking and driving, even when no accident occurs, is still a risky driving behavior that could cause injury or damage. Insurers often penalize DUI-convicted drivers with higher rates. Woodstock drivers pay an average of $298 per month for full coverage and $213 for liability only after a DUI conviction.

Here’s a look at the most affordable car insurance companies for drivers with a DUI in Woodstock.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
Progressive$85$104
Mile Auto$92$123
Auto-Owners$97$130
State Farm$104$139
COUNTRY Financial$106$142
Allstate$114$152
USAA$122$163
Mercury$151$211
Root$162$212
GAINSCO$171$228
Direct Auto$175$234
Bristol West$179$239
GEICO$185$238
Clearcover$200$267
National General$206$275
AssuranceAmerica$211$282
The General$214$286
Safeco$216$312
Infinity$232$310
Nationwide$252$336
Liberty Mutual$401$535
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Mile Auto

Average car insurance rates usually decrease when adults near age 35 because their years of experience and potentially low claim rate demonstrate safe driving habits. But rates tend to rise around 70, as senior drivers have an increased likelihood of accidents due to declining health and medication use.[7]

The average cost of car insurance for senior drivers in Woodstock is $215 per month for full coverage and $154 for liability only. Senior drivers tend to pay lower-than-average premiums compared to many other driving age groups, so seniors can still find affordable coverage, starting with the insurers below.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
Mile Auto$64$100
Auto-Owners$65$91
State Farm$67$94
Progressive$72$149
COUNTRY Financial$74$103
Allstate$81$113
USAA$88$124
Mercury$111$176
Root$123$183
Direct Auto$123$199
GEICO$125$168
Bristol West$133$251
GAINSCO$139$269
National General$140$193
AssuranceAmerica$149$238
Infinity$154$284
Nationwide$158$221
The General$161$264
Clearcover$169$237
Safeco$178$223
Liberty Mutual$296$322
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Progressive

Teenage drivers ages 16 to 19 have a fatal crash rate nearly three times as high as drivers 20 and older.[8] Teens lack the experience and developed reaction times that many adults have. Add in their overconfidence, increased distractions, and peer pressure, and it may further increase their likelihood of getting into an accident.

Although this generally leads to higher rates, young drivers could try to reduce their premiums as much as possible by staying on their parents’ insurance plan, driving a vehicle with insurer-approved safety features, and searching for eligible discounts, like good student and defensive driving programs. Teen drivers in Woodstock pay an average of $437 per month for full coverage and $312 for liability only.

Here are the cheapest car insurance companies in Woodstock for teens and young adults.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
Progressive$152$314
COUNTRY Financial$165$230
Auto-Owners$185$260
Mile Auto$187$291
State Farm$198$277
Allstate$222$312
USAA$222$312
Root$279$417
Mercury$280$443
Bristol West$317$596
GAINSCO$318$613
GEICO$330$444
Clearcover$335$469
Direct Auto$340$548
The General$367$604
Infinity$389$716
National General$414$573
AssuranceAmerica$420$671
Safeco$426$534
Nationwide$486$678
Liberty Mutual$701$764
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Woodstock car insurance quotes by credit tier

Many companies in Georgia, including auto insurers, can check your credit history and use the information to determine if you’re eligible for a policy and what the rate should be.[9] This is just one of many factors insurers use, but drivers with poor credit typically pay higher premiums than drivers with excellent or good credit.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Woodstock?

Compared to the national average, car insurance is more expensive in Woodstock. The average cost of car insurance in the city is $175 per month for liability-only car insurance and $245 per month for full coverage, while the national averages are $101 and $179, respectively.

But average monthly premiums in Woodstock are very close to the state averages — car insurance in Georgia costs $161 per month for liability insurance and $249 per month for full coverage.

Car insurance in Woodstock is cheaper, on average, than in many other Georgia cities. This could be because Woodstock has fewer residents and fewer reported car crashes. For instance, the city of Marietta reported more than 4,500 car crashes in 2022, while Woodstock reported a little more than 1,400.[10]

More cities in Georgia

Here’s how Woodstock’s average full-coverage car insurance quote compares to quotes in other Georgia cities.

City
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
Alpharetta$182$238
Athens$137$214
Atlanta$235$320
Columbus$147$230
Marietta$193$273
Savannah$183$273
Valdosta$119$187
Warner Robins$163$229
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Woodstock car insurance FAQs

Learn why car insurance rates are increasing, and check out Insurify’s answers to common questions about Woodstock car insurance.

  • How much is car insurance in Woodstock?

    The average cost of car insurance in Woodstock is $175 per month for liability-only car insurance and $245 per month for full coverage.

  • Which companies have the cheapest car insurance in Woodstock?

    Progressive has the cheapest car insurance in Woodstock, with a monthly liability-only rate of $85. Other affordable insurers include Mile Auto and Auto-Owners, with liability rates of $92 and $97 per month, respectively. Finding the cheapest car insurance company for you will depend on many factors, including your age, gender, vehicle, ZIP code, and driving record.

  • What are the best car insurance companies in Woodstock?

    Some of the best car insurance companies in Woodstock include Auto-Owners, State Farm, and COUNTRY Financial. These insurance companies have high Insurify Quality (IQ) Scores, solid AM Best ratings, and plenty of coverage options for drivers to choose from.

    But the best insurer for you depends on your coverage needs and budget. Compare car insurance quotes from different companies to see which one offers the best price for the coverage you need.

  • What factors influence the cost of your car insurance in Woodstock, GA?

    Factors outside of your control that influence the cost of your car insurance in Woodstock include the city’s accident and car theft rates, the number of claims in the area, and your age. However, factors in your control are your driving record, credit history, vehicle type, and coverage options.

  • How much car insurance do you need in Georgia?

    Georgia requires 25/50/25 minimum liability limits. This translates to $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per accident for property damage liability.[2]

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Related articles

Sources

  1. Georgia Office of Insurance and Safety Fire Commissioner. "Governor Kemp Signs Legislation Giving Insurance Commissioner More Authority Over Auto Rates."
  2. Georgia Office of Insurance and Safety Fire Commissioner. "Auto Insurance."
  3. State of Georgia. "Pay a Super Speeder Fine."
  4. Georgia Department of Public Health. "Motor Vehicle Crashes."
  5. Georgia Department of Driver Services. "DUI Data Reports."
  6. Governor's Office of Highway Safety in Georgia. "Impaired Driving."
  7. III. "Senior driving safety and insurance tips."
  8. Centers for Disease Control and Prevention. "Teen Driver and Passenger Safety."
  9. Georgia Attorney General's Consumer Protection Division. "Credit and Debt."
  10. Georgia Department of Transportation. "Georgia Crash Data."
Nick Dauk
Nick Dauk

Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.

For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.

Nick has been a contributor at Insurify since October 2022.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • Over 3 years of experience producing content on insurance and personal finance.

  • Key architect of Insurify's quality score.

Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.

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